If you're going to take out a credit card or loan, make sure that it's a Best Buy

Luxury goods store Harrods has come bottom of a survey of high street stores selling charity Christmas cards for donating the lowest proportion from sales of packs.

One pack donated just 3.9% to charity - with 10% the maximum. While at John Lewis, donations from packs were up to 25%.

Which? lists which stores donate most and which are most miserly, and offers more advice about . Charities have told us that they get more if you buy cards direct from them, and you'll find links in our report.

Christmas card packs

The seventh Annual Scrooge Award was given to Harrods by the Charities Advisory Trust, whose staff visited stores during the last week of October and the first week of November. Of the packs on sale during visits in this period, 82% of Harrods’ charity Christmas packs gave under 10% to charity, with 46% giving less than 5%.

The Charities Advisory Trust gave the Georgy Porgy award for Greed to Cards Galore. One of the packs on sale during the trust’s visits donated just 4.7%, and the majority gave less than 10%.

The Charities Advisory Trust’s director, Dame Hilary Blume, believes that if a donation is less that 10%, it shouldn't be called a charity card. She said it was 'misleading' to do so.

John Lewis

Other high street stores fared much better. Clintons’ packs gave 21% to charity, Waterstone's gave 20% and all of John Lewis’s own brand packs gave 25%, although donations from some other packs sold by the store were below 10%.